Credit Card Theft On The Rise | Don't Be A Victim
The Police do not investigate unauthorized transactions on credit
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cards but, they do take statements and furnish you with a police report. So even though the police do not investigate unauthorized transactions it still works in your favor to report credit card fraud because the first thing the credit card company wants to know is did you report it to the police and if yes produce the report.
You may say, oh the police is not going to investigate these unauthorized transactions so why bother? But here's what happens when you file a report for credit card theft. You stand to gain some type of credibility with the credit card company who will enquire whether it was reported to the Police and can they have a copy of the police report.
So, a popular bank sends me a letter alerting me that some one tried to get a credit card in my name but, they suspected fraudulent activity and declined the application. Bravo! I was very much relieved and elated to learn that the bank was looking out for my interest. Little did I know that it was all meaningless talk.
A few months passed and that's when I became a victim of credit card fraud. The same bank that told me that they detected credit card fraud in the making sent me a bill for a $1000 plus for the purchase of expensive name brand merchandise from Eddie Bauer. Boy was I pissed? First the bank says, it detected fraud and cancelled the card; next they honored it because, here they were sending me a bill.
I immediately went to the police station and filed a report because, I wasn't about to pay all that money for brand name products that I did not have in my possession. I then wrote the bank an outrageous letter and then inquired of the company (Eddie Bauer) where did they ship the items too. Well, you have to be smart about it. I told them I had this bill for a thousand dollars what address did they ship the merchandise too? After I learned that I told them it was all fraudulent. That I did not receive any merchandise and they said they would make notation of that and cease from honoring any further purchases.
My own investigation led me to someone in a not so distant neighborhood who was using my name but, a different address. How I stumbled on this information was by calling Customer Service. I played dumb and asked them if they could provide address of where they had shipped merchandise items too. That was after I inquired of them why they were charging me for merchandise I never received. I was then able to furnish this information to the credit card company and they handled it from there.
Should you ever become a victim of credit card theft your best bet is to visit your local police station. I don't think they investigate but, they give you a document which is a police report. You will need to furnish it to the credit card company when you tell them that you are not paying for these items due to no fault of yours.
I don't know how my information was stolen and have since implemented the services of life lock - a fraud protection agency and do not have any issues in terms of credit card theft so far. Hope you do not become a a victim of credit card theft. Always check your credit history and don't just throw important papers into the trash.
A few months passed and that's when I became a victim of credit card fraud. The same bank that told me that they detected credit card fraud in the making sent me a bill for a $1000 plus for the purchase of expensive name brand merchandise from Eddie Bauer. Boy was I pissed? First the bank says, it detected fraud and cancelled the card; next they honored it because, here they were sending me a bill.
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| credit card |
I immediately went to the police station and filed a report because, I wasn't about to pay all that money for brand name products that I did not have in my possession. I then wrote the bank an outrageous letter and then inquired of the company (Eddie Bauer) where did they ship the items too. Well, you have to be smart about it. I told them I had this bill for a thousand dollars what address did they ship the merchandise too? After I learned that I told them it was all fraudulent. That I did not receive any merchandise and they said they would make notation of that and cease from honoring any further purchases.
My own investigation led me to someone in a not so distant neighborhood who was using my name but, a different address. How I stumbled on this information was by calling Customer Service. I played dumb and asked them if they could provide address of where they had shipped merchandise items too. That was after I inquired of them why they were charging me for merchandise I never received. I was then able to furnish this information to the credit card company and they handled it from there.
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| credit cards |
Should you ever become a victim of credit card theft your best bet is to visit your local police station. I don't think they investigate but, they give you a document which is a police report. You will need to furnish it to the credit card company when you tell them that you are not paying for these items due to no fault of yours.
I don't know how my information was stolen and have since implemented the services of life lock - a fraud protection agency and do not have any issues in terms of credit card theft so far. Hope you do not become a a victim of credit card theft. Always check your credit history and don't just throw important papers into the trash.
